Call reports 2017
WATCH HILL BANK — 2017
What WATCH HILL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 136,358,000 | 143,305,000 | 155,466,000 | 157,813,000 |
| Total loans | 116,213,000 | 123,160,000 | 131,084,000 | 138,874,000 |
| Allowance for loan losses | 1,638,000 | 1,640,000 | 1,636,000 | 1,638,000 |
| Securities available for sale | 4,266,000 | 4,024,000 | 4,800,000 | 4,506,000 |
| Securities held to maturity | 288,000 | 264,000 | 187,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,733,000 | 97,571,000 | 109,101,000 | 111,679,000 |
| Interest-bearing deposits | 86,739,000 | 92,563,000 | 102,480,000 | 105,985,000 |
| Noninterest-bearing deposits | 2,994,000 | 5,008,000 | 6,621,000 | 5,694,000 |
| Equity capital | 16,481,000 | 16,342,000 | 16,451,000 | 15,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,163,000 | 2,401,000 | 3,781,000 | 5,255,000 |
| Interest expense | 302,000 | 647,000 | 1,024,000 | 1,426,000 |
| Net interest income | 861,000 | 1,754,000 | 2,757,000 | 3,829,000 |
| Noninterest income | 109,000 | 189,000 | 244,000 | 323,000 |
| Noninterest expense | 1,009,000 | 1,848,000 | 2,749,000 | 3,756,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -39,000 | 95,000 | 252,000 | 396,000 |
| Income tax | -1,249,000 | -1,207,000 | -1,160,000 | -408,000 |
| Net income | 1,210,000 | 1,302,000 | 1,412,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,080,000 | 14,941,000 | 15,093,000 | 15,174,000 |
| Total capital | 16,312,000 | 16,266,000 | 16,515,000 | 16,722,000 |
| Risk-weighted assets | 97,750,000 | 105,384,000 | 113,258,000 | 123,549,000 |
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